The VP of Collections, is well versed on the Fair Debt Collections Practices Act (FDCPA) and knows how to circumvent it as well. He instructs his collectors to "be creative" when notating accounts in order to violate the law without documenting it. He even gives examples of how to violate the FDCPA! If a debtor asks you not to call, then you MUST, by law, cease all oral communication &/or verbal collection attempts.
This is NOT the case with The HELPcard. The bottom line is money and the CFO turns a blind eye and a deaf ear to violations. He is happy with Collections so long as the bucks come in. And they do come in, mostly due to the tactics of unscrupulous &/or untrained people acting as collectors. Several professional collectors (including myself) have asked to be transferred to other departments within the company because we thought the company was inherently good but Collections was led by a rotten apple.
The old adage "the fruit doesn't fall far from the tree" is true with this company. The tree (The HELPcard) is rotten, and so is the fruit (Collections). I have intentionally refrained from using the names of those in power because I fear retaliation. I have experienced it first-hand in the past, and don't want to be dragged into a defamation of character lawsuit; I have overheard those threats before.
The HELPcard has vey deep pockets, and I do not. Each day I read the newspaper with the expectation that charges will be brought against The HELPcard. That hasn't happened yet, but I predict it will if the company continually violates the FDCPA so blatantly.
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